Classic car insurance is important for classic car owners because this type of cars need more attention from the owners compared to regular types of cars. Most of the time, if classic cars are being maintained well by its owners, they can fetch a high price in the market due to their rarity and therefore, their owners have a tendency to make claims even though the damage on the cars are probably just minor ones. Regular car insurance might not be able to protect classic cars to such extend, and therefore there is a need for classic car owners to purchase classic car insurance to protect the cars to the maximum.There are some special requirements that you need to fulfill before you can purchase classic car insurance for your car. First of all, you need to have a good driving record with at least ten years experience. Usually, teen drivers or drivers with very poor driving record are not allowed to hold a classic car insurance policy. This is because classic cars aren’t the safest cars around and the inexperienced and reckless drivers might not be able to handle the valuable cars with sufficient responsibility.Next, you should also have proof that you have another car for your daily transportation. Most of the time, there will be a limit for your classic car’s mileage if you are planning to insure it under classic car insurance. You cannot drive the car very often with the limited mileage. Therefore, you need to have another mode of transportation for your daily commuting before you can take up classic car insurance.Your car also needs to reach a certain age before it can be classified as a classic car. If it is not old enough, it usually cannot qualify for the insurance. You need to check with your insurance company to determine the age of your car required to get into classic car insurance policy.Next, you should also get to know the value of your policy. There are three types of value, which are actual cash value, stated value and agreed value. Actual cash value is what you usually get from regular car insurance which is the cost of the car minus depreciation. Stated value is a stated value of the car which the company would pay up to, but may not guarantee to pay the full stated value. The deductible up to $1000 usually applies in this type of valuation. Agreed value is a value agreed upon by you and your insurance company. For this valuation, there is no deductible most of the time.Purchasing the right classic car insurance for your car is very important so that it can get sufficient protection from the policy in any cases that it got damaged or stolen.
One of the most popular vintage car clubs is the Classic Car Club of America. At first, the cars included by the club were deemed too modern and that few people would be interested because the cars would prove to be worthless. Well, times have changed and the cars in the collection of the Classic Car Club of America being preserved are the finest collection in the world.The non-profit membership corporation was said to have invented the term “Classic Cars”. These are fine vehicle assembled between 1925 and 1948. It is generally built in Limited Editions or in limited quantities and has a high price tag when new. Cars built before 1925, similar to the 1925 full classics are also well-known for their superior design, high engineering standards and fine workmanship. Other factors to consider if a car is to be considered classic are the automatic lubrication systems, power clutch, power brakes and engine displacement. Cars falling in those mentioned categories are of interest to the Classic Car Club of America.The organization was founded when car enthusiasts who owned vintage Cadillacs and similar models were deemed not eligible to participate by the oldest organization dedicated to cars: the Antique Automobile Club of America. These cars were classified as “Tow Cars”. In their minds, the proper term to use was “classic” and a new organization was to be formed.Classic Car Club of America was born in March of 1952. At the infancy of the club, there was a modest membership of twenty.. This changed when Herb Shriner invited the club to exhibit at the International Motor Sport Show. After the exhibit, 75 more car enthusiasts signed up. Half a year after the club started, the club boasted more than 200 members.The club’s first show was held at Washington’s State Park in New Jersey and is entitled “The Grand Classic”. Their first tour began that August where the club was a guest to the Packard Motor Company. The classics were displayed on the famous Packard proving ground track. Today, there are members who joined even outside the country. More than 5,000 members have joined the club to date. The Classic Car Club of America is everywhere where classic cars are honored and celebrated.
I thought that I’d delve in to an article about fixing rust in the body of your classic car, this is a huge problem if your buying or own a classic cars that came from a place near the sea, or a place where they use salt on the roads to melt the snow, rust in most cases will start underneath the car and work it’s way up destroying anything in it’s path along the way, nothing will stop rust or slow it down in it’s effort to destroy your classic car’s body.There are a few ways to fix rust problems in your car, but first you must find them, you can start by looking for bubbles in the painted surface of the car, and do not take it lightly when you find it, don’t look at it and think that just because it seems to be only on the surface that it is, rust will hide in cracks, underneath seem sealer, under that carpet, or any place else that it can, believe be the rust knows that you don’t want it in your car, so look at it like a doctor would look a cancer.To check how bad the rust is, take a body hammer with a pick on one end, and use that end to lightly tap the rusted spot that you have found, if the metal seems like it’s soft and moves easily, then you needs to fix this area now, in some cases you’ll knock a hole in the area that your tapping on wit the hammer, don’t worry about this, it won’t be there for long if you fix the rust hole the right way.What you’ll need to do the job, is a, air compressor, a die grinder with a cutting blade on it, do yourself a favor and make sure that you have more then one cussing blade for that grinder, you’ll need sheet metal, the same gage as your car, if you don’t know what gage it is, you’ll also need a 5″ air grinder loaded with a 40 grit disc to finish the welds with, then you’ll need to buy a metal gage checking tool, and last but not least you’ll need a MIG welder with plenty of gas and wire, there are other ways to fix a rust spot without a welder, but in my opinion they are not as reliable.Now that you have your tools all together and your courage up to the right level where you can begin the job, you’ll want to determine how big the rusted area is by tapping it with the pick end of that body hammer until you run in to areas on all sides of the rust that don’t seem soft, or like they don’t have any strength to them, once you have discovered how big the rusted area is you need to get a sharpie and draw a line around the rusted area, about 2″ in to the good metal all the way around the rusted area, so you know that the rust will be gone when you cut it out, rust is not easy to weld to, so make 100% sure that it’s all the way gone.Now that you have your line to cut to all drawn out with the sharpie, you can plug the die grinder in to the air source, now a word of advise here, don’t try to cut it all at one time, put a light cut along the line that you drew with the sharpie, just repeat the process of running the die grinder along that line until the rusted area falls out of the car, now that the rusted metal is out of your car, pick up the rusted piece of metal and lay it on top of your new sheet metal, take that sharpie that you used to draw the first line to cut to, and using the rusted piece of metal draw a line to it with the sharpie, using the same process that you did on the rusted spot in your car, cut the piece of good metal out with the die grinder.The die grinder has left a rough edge on the back of the good piece of metal, you’ll need to clean that up, the best way to do this is to take that 5″ grinder that you have with the 40 grit disc on it, and lightly run it over the back of the metal until all the burs are gone, now you’ll need to that 5″ grinder with the 40 grit disc on it, and clean the area on your car where you cut the rust our, make sure that you have about 2″ of bare clean metal around the area that you cut out.Now take that good piece of metal that you cut from your sheet of repair metal, and fit it in the hole that you cut out of your car, I usually use visegrips to hold the new metal in place, now this is where things can get a little tricky, so pay close attention this section, make sure that you have a good place to put the grounding clamp for your welder, if you don’t see a place for it right close to your work area, then take that 5″ air grinder and make one, make sure that the clamp has a solid connection.Plug you welder in, and make sure that the gas is turned on, I usually run the wire feed, and current set at about 3 or 4 on my MIG, but this could be different on your machine, so do yourself a favor and test it before putting it to your car, now that we’re all ready to go, you have the visegrips holding the metal in place and you have your welder setup right, your going to want to run about a 1″ bead on the top, bottom, and both sides, and then you can get the visegrips out of your way.Now you have four weld beads holding the patch panel in place, now here’s a bit more advise, mig welders get very hot, and it’s possible to warp the metal in your car while welding the patch panel in place, so never weld more then 1″ beads at a time, and move from the top to the bottom, do a 1″ weld on the top of the patch, and then cool it off with a little air, and the do a 1″ weld on the bottom and cool it off, and the do the same thing with the sides, until you have one solid bead all the way around the patch panel, you have now fixed your rust problem, all that’s left is the finish work on the welds.Grab your 5″ air grinder with the 40 grit disc and grind the welds flat, in most cases you should not even be able to see the welds if you have done it right, the job is now complete, I’ll move on to the body work part in a later article.
People are now having classic cars for numerous different reasons. Some are treating them like collectibles. Some others are having them to increase status as classic cars owners are regarded as having high status. The remaining might just treat them as normal transport. No matter what reasons of owning classic cars, classic cars must be properly secured with insurance to have coverage against thefts and car damages. For the owner, it might be hard for them to look for cheap classic car insurance. If you happen to be one of them, reading the following guide will help you to fulfill your wish of finding it.Firstly, you must take into consideration the scarcity and value of your classic cars. Some classic cars can be very scarce and can hardly be found again. These cars normally have very high value and are very susceptible to thefts. They are also expensive to repair if they are damaged. Therefore, it is inevitable that you have to pay higher premiums for rare classic cars. You might want to get lower valued classic cars to reduce your car insurance costs.Next, it is very important to have a guaranteed agreed valuation when you are insuring your car with a certain insurance company. You have to reach an agreement with your insurance company on the amount that they need to pay for your classic car if it is damaged or stolen. Most insurers will pay the full amount that you both have agreed upon in the event of accidents or damages. Some insurers might refuse to pay the full amount when you make insurance claims, therefore check with cautious whether the agreed valuation is guaranteed.Classic cars are made with previous technology and might not be very driver friendly compared to modern cars. Unless it is modified, classic cars normally have manual gears which might be harder to handle compared to modern cars. Therefore, a driver with a great deal of experience and older age will be in an advantage to get cheaper insurance rates since they are considered as lower risk drivers. If you are a young and new driver, you might want to consider getting defensive driving courses to enhance your driving skills to be eligible for cheaper classic car insurance.Furthermore, most insurance companies require you to have a suitable storing space for your classic car when you are not driving it for a long time. Having a garage or parking lot in your house would be an advantage to you as they can help protect your classic car from harsh weathers and environments. Installing safety devices that could enhance your car safety against thefts and damages would also increase your chances in getting cheap classic car insurance.
As the interest in restoration of classic car restoration increase so does the amount of owners that are in the midst of restoration of their vehicles. These enthusiasts are learning quickly that it can be a battle to get insurance on these vehicles.Although there are many classic car insurance companies available, many insurance programs require that the vehicle be fully, or close to, fully restored prior to being eligible for the program. In turn the owners of these vehicles have no option but to try to get coverage in the standard insurance market.Many standard auto insurance companies have age restrictions for vehicles and the coverage they will offer the vehicles. There are many auto insurance companies that will only offer comprehensive and collision coverage to vehicles that are 15 years of age and newer. Some companies will go as far as 20 years old but this is also not much of a help when insuring a classic car.These requirements leave the vehicle owners with only one option in most cases, liability only protection. Although these cars are not fully restored, some classic cars mid restoration have values that would be sufficient to request comprehensive and collision coverage.Some insurance carriers in the standard market have gone as far as to require that the vehicle owners carry liability only but also require the owner to get a mechanic inspection done on the vehicle itself to determine road-worthiness. Most carriers request this for vehicle that are 40 years of age and older.
Classic car insurance is different from normal car insurance as it has many benefits. However, you might find the cost of insuring your classic car can be very high as well. There are several ways on how to reduce your rates and still get enough protection for your car and yourself.First of all, classic car insurance has ‘no claims bonus’ clause. This means that your premium would not be affected by some occasional claims. However, this doesn’t mean that you can claim as much as you like. You should still maintain a good driving record by driving carefully all the time. It is not a secret that insurance companies give high rates to high risk drivers.Next, try to keep your classic car in a safe place to avoid it being stolen or damaged. Classic cars are usually very valuable due to their rarity and they are very prone to theft and vandalism. If you have a garage in your home to park your car, you will have very high possibility to get lower rates for your classic car insurance.If you are searching for cheap classic car insurance, the companies normally require you to have another car which you use for your daily commuting. This other car should not fall in the category of classic cars. This is because classic cars are usually limited by the policy for pleasure use only. They might also be imposed with certain mileage limit. This means that you can only use the classic car up to a specific mileage a year. If you drive more than the specific mileage, you might be offered higher rates.Classic cars are getting rare nowadays as they have been replaced by modern cars with better speed and performance. However, there are still people who enjoy using classic cars as their mode of transportation or keeping them as collectibles. No matter what is the reason these people are still keeping their classic cars, they should always protect them with sufficient amount of insurance coverage.
Classic cars can fetch quite a hefty sum in today’s car market. This makes them more attractive to thieves compared to regular cars. Since most classic cars are more expensive and valuable, they are exposed to a higher risk of being stolen. To keep them in pristine condition, you will need to do more check ups and regular maintenance. Same thing when you are trying to protect the cars with some insurance — ordinary insurance coverage will not just cut it. You will need classic car insurance instead.To ensure that your car is getting the protection it needs, you should get specific classic car insurance. The best thing about getting this particular insurance is that it provides the opportunity to insure the car based on its real value. While the initial cost you have to pay to get classic car insurance may seem pretty high, the overall benefit you get in the long term will be worth the extra dollars. If you really want to keep your safe against theft and accidents, there’s no question what kind of insurance to get.In your hunt for the best insurance companies for your prized possession, the first thing that you need to find out is the real value of the car. This is something that the insurance company will want to know as well, so get this number before applying for the protection.The real value of classic cars will increase based on the uniqueness of the model, its current condition, and the history behind the cars. If yours has some wonderful story behind it, the value can soar high in market place. To objectively determine the value of the car you can use the service of car appraisers – preferably those that specialize in classic models. The appraiser will be able to give an estimated fair market price of your precious.After you get the estimation of value, you can now start your hunt for good car insurance company. Going with known names would be ideal. But if you feel like shopping around for the best rate and coverage, you can compare the quotes from each company. See what features they offer and the cost. If the features can justify the cost, then it will be the company that you can go with. Do not pay for more money than you should. At the same time, do not go with the cheapest price as well.
When one is thinking of buying a classic car, the first question that comes to one’s mind is whether he or she could afford to get it repaired. This is because classic car parts are not easy to find, and one might have to pay a hefty price for even a small part, for a classic car.Most of the classic car parts which one get from the market fall in the used category. One needs a great deal of effort to locate them, then make sure they will work with one’s car, and finally to negotiate a decent price. Not all mechanics are familiar with classic car parts. There are specialized repair shops for such cars, and one should consult with them before purchasing any classic car part. Some of these parts could cost you a few thousand dollars. Remember, when you are getting your classic car repaired, all of its parts should be carefully stored. There are certain classic car parts, such as steering wheels or brakes, which were made to suit the needs of a different time period. These parts may still be functional, but might not be suitable for today’s world.And do not forget that classic cars did not come with safety devices, so there is always a chance that someone may steal a valuable car part off of your vintage car. You must take care of that before ordering a new part for your classic car. You can secure the parts of your classic car by speaking with an expert of your make and model.
Classic cars have always occupied a special position in everyone’s heart. They are not only a show of class, but also a passion of some enthusiasts who like to collect and preserve them as treasures.They are commonly defined as built between the start of 1919 and the end of 1930 known as the “Vintage era”. There is a small lack of calibration about the start date of the vintage period-the end of World War I is very well defined marker there-but the end date is a matter of a little more debate. The English definition is strict about 1930 being the cut-off, and is widely accepted while some American sources prefer 1925 since it is the period as defined by the Classic Club of America. Rest see the classic times as overlapping the vintage times, especially since the vintage designation covers all vehicles produced in the period while the official classic definition does not, only including high-end vehicles of the period. A Classic is commonly defined as one built between the start of 1919.India saw its first of classic one in the year 1898 and within 12 years several thousand models poured in, which were driven by our Maharajas, Princes, Industrialists, and Philanthropists in the country. India does have a large number of classic, which use to belong to Rajas, Maharajas, and Nawabs. In order to maintain their charm and to popularize them, classic rallies are held in various cities in India from time to time drawing fairly large crowds. According to the experts, the total number of vintage ones available in India is close to 3,000 and valued at Rs 350 Crore. India’s vintage car collectors include Pranlal Bhogilal of Ahmedabad, Sharad Shanghi of Indore, and UB group chairman Vijay Mallya. Together these three classic owners own more than 350 vintage and classic inclusive of some rare models like the Rolls Royce Silver Ghost and Mercedes 540 K, each with a current price estimation of Rs 1 Crore
There are a number of things that you can do to find cheap classic car insurance rates. Let’s say that you have a 1950’s car that you are planning to drive around at least a little bit throughout the year, but you don’t know if you should insure it or not. If the prices for repairs on normal everyday cars can sometimes be expensive and auto insurance companies base part of their premiums on replacement or repair cost will that signify a more expensive policy for classic cars?If I’m only planning to drive less than a thousand miles a year why would I need to insure the car? Those are just a few of the questions that classic car owners deal with when time comes for them to get automobile insurance. Some people don’t know that there is a difference in insurances from the everyday automobile and the old vintage classic cars; however there is a big difference in the way the policy is set up and most importantly the price!The first thing you will need to do when trying to get cheap classic car automobile insurance will be to identify the insurance companies in your local area that provide classic car coverage. This is important because if you just go to any insurance company they will provide you with a quote from a standard automobile insurance, which more than likely will be more expensive. If on the other hand you find a company that provides classic car coverage then you will be getting the best and more accurate rate. Most classic insurance company simply put a price on the car which equals to the vehicle’s current value minus depreciation. This means that the more you use the car, the lower your price will get.Most insurance carriers for these classic automobiles will not give you the chance to get a deductible for collision and comprehensive coverage. If this is the case then there is nothing you can do to the coverage you reduce your rate. However, there are auto insurance companies out there that will allow you to select how much in deductible you want, that’s why it is important to always shop around.If you find one of these companies, have them quote you with a higher deductible. The reason behind this is that most classic car owners usually have another vehicle that they rely on for transportation, so a higher deductible in case of an accident will not be that bad. If you don’t drive your car that much the probability of an accident will decrease and thus you will be saving money for having raised a deductible that perhaps you will never have to pay. It is important to note however, that you must only raise the deductible if you can afford it.Another great thing about classic automobile insurance that will allow you to save some money is the flexible coverage that some companies allow. Unlike standard policies where you can only get discounts if you are a low mileage driver, here you can create the policy according to your needs. Most classic car owners only drive their cars up to one thousand miles a year because they are very picky about the conditions and to prevent the regular tear on the car. For these people the classic car automobile insurance policy will be much cheaper than for the ones that drive frequently. Those people that drive “frequently” are usually the people that put a little bit over 5,000 miles on their classic car each year (those mileage numbers would allow a person to qualify for a low mileage discount without a single problem) which is nothing. These people will have to pay a little bit more simply because they are on the roads a little bit more than the others, which brings a higher risk of accidents.Another big thing that can drive the cost of your classic car insurance policy downwards would be the safety of your car. Because you don’t see many classic cars on the road, these types of vehicles aren’t necessarily the ones that have a high degree of theft. Regardless of that statistic, insurance companies award you with a lower rate if you protect your car from theft. Make sure you keep your classic vehicle in a garage away from the public. If you do park it outside for some reason make sure that you have an alarm and a wheel lock will be a great idea if you plan to leave the vehicle unattended.Classic car insurance policies are not expensive at all and in some instances you can even add these policies to your normal standard policy. The less you drive, the less your policy will cost. Make sure you show the insurance company that you are a preventive driver that always thinks safety first and they will for sure reward you. So go out and shop around to make sure that you get the best deal! And never attempt to insure a classic car under a standard policy because if an agent allows you to do that you will be paying twice or even three times the value of what a classic car insurance policy would be!